Why basement subpanel installation is so common in Louisville
A finished basement needs a lot more power than an unfinished one. Receptacle circuits to meet spacing rules, lighting circuits, a dedicated 20-amp circuit for a bathroom, another for a bar fridge, sometimes a run for a theatre setup.
The panels in this housing stock were sized for a house with far fewer loads. Once they are full, people start doubling up with tandems, which works until it does not and leaves you with no room at all.